Student Life – GradGuard Blog

7 Apps to Use for Better Mental Health

June 20, 2022

We can all agree that the importance of mental health has changed on campus over the past few years, especially after Covid-19. There has always been a stigma surrounding students’ validity and gravity of mental health. Still, this stigma has made progress into becoming an everyday reality as of late.

“During the pandemic, about 4 in 10 adults in the U.S. have reported symptoms of anxiety or depressive disorder, a share that has been largely consistent, up from one in ten adults who reported these symptoms from January to June 2019″.
According to kff.org.

This statistic is proof that the pandemic worsened mental health and spurred an advanced need for new awareness surrounding mental health.

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Adulting Other Student Life

Subletting and the Importance of Renters Insurance

June 9, 2022

Summer is here, and students all over the country are moving off campus, starting summer jobs, and getting ready for another school year. It’s also a time when students may need places to stay temporarily for summer jobs, and many leave their student apartments empty when moving home for the summer. Finding a temporary place to live out of town to stay for the summer can be difficult when you’re concerned about safety and reliability.

Many people consider subletting their apartments over the summer to take advantage of all the traveling young adults and offset the costs of an empty apartment. No matter if you are on the lessee’ or lessor, you might want to consider renters insurance to ensure the safety of your valuable items.

Health Student Life

6 Ways to Take Care of Your Mental Health this Summer

May 30, 2022

As Mental Health Awareness Month is coming to a close, making sure our mental health is a priority should be the focus for the next few months. Over the past few years, I and many others on campus have found that, since the pandemic, student mental health has declined drastically. Even in myself, I discovered that it has become that much more critical for me to set aside time in my schedule to prioritize myself and my own well-being. With all the activities, time, and social interaction lost from the ceaseless pandemic, students’ mental health everywhere has been diminished.

As a college student myself, I have found that there were things I did that helped me maintain good mental health before I got to college last summer and the summer before.

Adulting Student Life Transition

How to Plan Now for Homeownership Later

May 24, 2022

The dream of homeownership is well within your reach! In 2021, 65% of US residents owned their own homes, and you can, too. While the median age of first-time homebuyers has been increasing—for a variety of reasons—16% of homeowners are members of the Gen Z or millennial set. How did they get there? Usually, by careful financial planning. The sooner you start planning, the sooner you’ll have the keys to your first home. Here are a few tips on how to set out on the path of homeownership both before and after graduation.

Health Student Life

Strategies for Prioritizing Mental Health in College

May 16, 2022

five young students sitting together outside

College is a wonderful time in your life. You meet new people, grow beyond your existing ideas, and are constantly working towards the goal of self-improvement.

But, there’s no doubt that college is stressful, too. Socializing, learning, and developing a career is hard, and accumulating debt can feel overwhelming.

Combine these stressors with the past few years’ events, and you are sure to feel a little frazzled.

But, in the long run, college is undoubtedly worth it. You make friendships that last a lifetime and add serious value to your career potential. You’ll also learn to appreciate life in new and novel ways, as that elective in literature might just spark a love of reading and critical thinking.

Health Student Life

How to Reduce and Maintain Low Stress Levels in College

May 11, 2022

Can you recall a time you’ve felt pressure to perform to high standards? The stress in high school is different from what comes in college. With the stakes higher, academic stress can sneak up and create many issues for students transitioning into college.

What is Academic Stress?

It’s inevitable that students in college will be stressed, and for many different reasons. Maybe your scholarship requires you to have specific grades to remain eligible, or you’re a first-gen college student, and you feel pressure from your family to do well. The cost of tuition alone can be a financial burden on college families, and maybe yours is also feeling the strain.

This can bring anxiety and thoughts that higher education isn’t worth it or that the responsibility will be too much. We want you to know that feeling this way isn’t unusual and is even shared among many students. But don’t worry, you are not alone in this. We are here to help!

Health Student Life

Understanding Mental Health for College Students

May 10, 2022

A college student with mental health struggles alone.

What is Mental Health, and Why is it Important to Understand?

May is Mental Health Awareness Month, a time for us to discuss and remember that taking care of our mental well-being is essential. Those living with mental health conditions deserve understanding, respect and compassion, and most importantly, tools for coping, healing, and fulfillment.

What is Mental Health?

According to the CDC, “Mental health includes our emotional, psychological, and social well-being. It affects how we think, feel, and act. It also helps determine how we handle stress, relate to others, and make healthy choices. Mental health is important at every stage of life, from childhood and adolescence through adulthood.”

Although the terms are often used interchangeably, poor mental health and mental illness are different. Mental illnesses are diagnosed conditions that affect thoughts and behaviors. Though anyone can have moments of poor mental health, not everyone has a mental illness. A person can experience poor mental health and not be diagnosed with a mental illness. Likewise, a person diagnosed with a mental illness can experience periods of poor physical, mental, and social well-being.

Adulting Student Life

Fact or Fiction: The Truth About College Student Insurance

May 4, 2022

By now, most of us know what insurance is, although maybe not entirely sure how it works or what makes a good policy. When it comes to the necessity of insurance, there is often some debate on what is covered, what’s a reasonable price, and if it is really something that people should invest in. College is one of the most expensive and risky investments a family can make. Still, many people may feel like insurance is unnecessary or unaware of what is included in a student renters and tuition insurance plan.

We break down all the misconceptions and myths surrounding college student insurance.

Fact or Fiction – 8 Misconceptions About the Value of Insurance for College Students

1. College students can’t afford renters or tuition insurance.

Fiction: Renters and tuition insurance are pretty affordable. In fact, a monthly renters policy with GradGuard costs as little as a Chipotle burrito meal! Students can also get coverage for as little as 1-2% of their overall tuition expense for tuition insurance, including room and board and academic fees.

2. My landlord will likely not replace my things if they’re stolen or damaged.

Fact: Presumably, your landlord has insurance that covers the building, but not what’s inside. So, if your backpack is stolen or your laptop is destroyed, you will be the one to replace it. Having a renters policy is essential in giving you peace of mind that your things will be protected if something happens.

Let’s take it one step further: GradGuard’s Renters Insurance follows you wherever you go. If your bike is stolen while running an errand or if your suitcase is taken while studying abroad, your renters policy has you covered.

3. My school has a refund policy, so I don’t need to pay for tuition insurance if I have to withdraw.

Fiction: Yes, your college or university indeed has a refund policy that is often only good for the first few weeks of classes. Beyond that, nearly all institutions don’t provide refunds if you were to completely withdraw, even for a medical condition such as anxiety, depression, or Covid-19. Tuition insurance can help protect you so you don’t need to rely on this if you need to withdraw for a medical emergency.

4. My stuff doesn’t cost that much.

Fiction: Find out just how much your stuff is worth — and how renters insurance can cover it all. When you sit down to think about all the things needed to attend college, it can add up – and fast! If the unexpected were to happen, do you have the budget to replace everything you own? Renters insurance can help you get your money back so you don’t have to stress about how you would replace a stolen or damaged laptop or bike.

5. Renters insurance covers more than just my personal belongings.

Fact: The fantastic thing about a renters policy is its wide range of coverage! Not only is your stuff covered in your residence, on campus, traveling to and from school, and studying abroad, GradGuard’s renters insurance includes liability coverage and loss of use protection.

Liability and medical coverage – If you unintentionally damage your place of residence, you may be held responsible for damage to your apartment building or injuries to guests. Liability coverage may help you pay for any medical fees, property damage, or court costs in this situation.

Loss of use protection – This is important to help cover the costs of food and hotel rooms if your home becomes uninhabitable due to a covered peril like a fire in your residence hall.

GradGuard’s Renters Insurance provides these exclusive student endorsements, including a low $100 deductible and no credit scoring.

6. I am young and healthy, so nothing will happen to me.

Fiction: There is a reason the unexpected is, well, unexpected – you can’t and won’t see it coming. Even though many college students are in good health, being in college doesn’t magically make you invincible. Addressing the fact you may need to withdraw from school for any unforeseen reason is uncomfortable, but you know what’s even more concerning? The idea of losing thousands of dollars.

No one wants to think about ever needing to file a claim with a tuition insurance plan, but it can reimburse the cost of a completely withdrawn term in the event of a covered illness or injury.

7. My roommate has renters insurance, so I’m already covered.

Fiction: While you and your roommate might share snacks and a Netflix account, their policy usually covers their things, not yours. Getting your own policy allows you to customize protection that’s perfect for what you need. And if your entire residence is unintentionally damaged, the reimbursement costs can climb quickly. Separate policies will ensure all of your belongings are covered.

8. Epidemics including Covid-19 are a covered reason with tuition insurance.

Fact: GradGuard tuition insurance plans purchased on or after February 18, 2022, include an epidemic coverage endorsement, which can provide protection when an insured student completely withdraws from school for the covered term due to becoming ill with any epidemic or pandemic disease, including COVID-19*.

With life comes a lot of responsibility. We are here to help guide and educate you on the risks of college life. Now you know the truth about college renters and tuition insurance!

Terms, conditions, and exclusions apply.

Career Student Life Transition

The Reality of How to Find a Job After Graduation

April 28, 2022

Classes have finished, graduation is over, your stuff is all packed, and a little taste of reality has finally started to set in.

You’ve probably seen at least half a dozen articles about how to find a job after college. Those tips and tricks may help you get your foot in the door of what may be your dream job! After all, going to college to get that degree to eventually work in the field you worked toward is the goal, right?

Take it from a recent college grad: the job hunt can be tricky and overwhelming when first out of college. It’s not as easy as applying to as many jobs as possible. Read on for some tips on how to navigate the job hunting world in ways not a lot of people talk about.

Keep a supportive and encouraging inner circle.

Similar things tend to gravitate to one another, and it’s important to find comfort in those who are empathetic and understanding about what you are going through. Graduating without a role lined up is a challenge all on its own, let alone dealing with people who aren’t supportive.

Being unemployed isn’t easy, especially with a degree. It can feel hopeless and frustrating to watch your peers quickly start their careers while you are still getting yourself set up. It can feel like a swift kick in the gut when your inner circle of those you trust does not support you when you are feeling down. Be mindful of who you are speaking with when sharing your insecurities and fears.

It’s crucial to make sure your close friends lift you up, not down, supporting your aspirations and motivating you, not discourage you. You’ll need their positive energy if the search doesn’t go quite as you planned. Phases of self-doubt when looking for your first role out of college will come, and it may be hard to talk to some of my friends who just don’t understand what you are feeling – and that’s okay! Just let them know that you require some encouragement or look elsewhere for some.

Evaluate how you’re spending your free time.

It may be very tempting to want to put off finding a job at all after graduation. You finished classes and deserve a break! But time is valuable and many employers look to recent college grads to fill positions in May, June, or July. If you delay this, you may have to wait to find a job with winter grads.

Don’t turn into a lump on a log, wasting away watching hours of TikTok in your PJs. You are capable of so much more than you may realize- you have a degree, you have dreams, and you can start chasing them! Get strong both mentally and physically to get the best position for you.

It’s okay to take a short break to recoup after finishing your degree, but don’t let yourself develop bad habits. It can be tough on your mental and physical health if you let yourself wander too far off the beaten path of structure that college provides. But a self-care day is needed every once in a while.

Spend your time doing things you love and learning more about your passions; never stop learning and growing. Read, write, paint, or exercise to keep your body and mind active. You will feel better, be more alert, and more prepared to take on opportunities when they come to you.

Work toward your dreams, no matter how big they are.

Dreams and goals are not supposed to be easy or obtained overnight. It’s okay if they are a little scary or seem too far out of reach.

Sure, it may seem like the odds are against recent grads, but the good news is that you won’t be a recent grad forever. The journey will be tough with roadblocks you never saw coming, but in the end, it will all lead you where you are meant to go. If you clearly define the goals you have for yourself and believe in them, the struggle will all be worth it!

Dreams take time. Whether it’s getting an internship, starting out at the very bottom, or realizing a role you took was just not meant for you, you’ll get there. With one foot in front of the other, take steps towards your goals, starting at the beginning and working your way up. If your dream is to be a VP at a company, that job title won’t come right away, or even for several years. But know that even entering the company as

You are your biggest fan and fiercest advocate.

No one has your back like you do, so learn to be your biggest cheerleader. Even if you think it’s impossible, never stop believing in yourself because you can do far more than you think you can. Never stop working on getting better; in life, work, your hobbies, everything! We are our worst critics and letting doubt and fear of failure hold us back most of the time.

The only thing in the way of you going to the next level is you. Be the person you dreamed you could be, and don’t stop until you get there. Even if it seems like it may be too hard, never stop fighting for yourself. You owe yourself that much after spending years of your life working and learning to earn that degree.

Life after college is a whole new ball game. With new things happening simultaneously, it can get overwhelming. It’s okay to take time to get your footing and make a plan as you start this new phase in life. Remember, Rome wasn’t built in a day, so understand that life is a process and everything will work out. You got this!

Student Life Transition

Finding the Good in New and Challenging Situations

April 26, 2022

We’ve all been told that life is a challenge. It can throw you curve balls that you would have never imagined possible, but somehow we all manage to pull through. Although, not always in one piece.

As you move from one phase of your life to the next, you may be experiencing a number of changes:

Moving cities or even states.
A new job (maybe even your first full-time gig).
A boatload of new responsibilities.
New friends (or loss of them).

Young adults are inevitably going to trip and fall… A LOT. It’s easy to get discouraged from what may feel like constant letdowns, but remember: It’s okay. Follow these steps for finding the silver lining even in the roughest situations.

When the Going Gets Tough, Be Positive

The energy you put out there is the energy you’ll get back. If you are consistently focusing on the negativity, it will always find you. There will always be something gloomy in life, work, and school, but it is vital to not dwell on those things for too long before trying to find the positive. If you didn’t get the result on a test, you thought you would look for the positive instead of sitting around and moping about it. If something can’t be made positive, try to neutralize it instead.

Failure Can be Good

Our lives are made up of a series of mistakes and the lessons we learn from them. We aren’t born knowing how to walk, talk, read or write. By trial and error, we develop these skills and eventually can’t remember a time we didn’t know how to do them. Unfortunately, the difficulties we face get harder and harder as we get older.

When we make a mistake, big or small, the easiest thing to do is to talk down to ourselves or dwell on all the little clues we missed leading up to this unfortunate event. But remind yourself that we are always learning and growing. Of course, we are going to make a mistake at some point in our lives or another! Whether it’s during the first week on the job, or the first time you have to manage your own finances, you will probably make a mistake. And maybe make many of them. We don’t walk into the world and suddenly have everything figured out. The most important part is learning from those mistakes and ensuring they don’t happen again.

Making an error and failing is an essential piece to mastery. Embrace it.

Be Kind to Yourself

When something negative affects us, it is crucial to accept ownership of what happened, but to also quickly move into a more optimistic headspace. At the same time, it can be comfortable to turn to self-doubt and blame when we do something wrong. We’re only human; we are bound to mess up, but the important thing to remember is that we are not an accumulation of our failures.

Research has shown that talking positively to ourselves, especially when we are at our lowest, is key to overcoming our fears and vital to our mental health.

Some benefits of positive self-talk are:

1. Reduced Stress

Individuals who think optimistically are also more prone to positive self-talk and use more dynamic coping methods when faced with stressful situations and challenges. Positive self-talk helps you challenge the way you look at stressful situations by helping you understand that you will meet them to the best of your ability and that no matter what happens – you did the best you could. Tackling these situations with an ‘I can do this‘ mindset rather than a negative ‘This is too hard‘ opens up new ways of thinking and problem-solving.

2. Increased Confidence and Resilience

Most of us have experienced the little voice in the back of our heads telling us that we aren’t good enough, but tackling life with a positive self-talk policy can help to boost your self-confidence. Above anyone else, you should be your biggest fan! Frequent positive affirmations will help you feel more confident when facing your fears and achieving your dreams. You instill yourself with the belief that the things you want are achievable, and when situations do arise, you are prepared to handle them head-on.

3. Stronger Relationships

We all know how it feels to be around someone so bright, full of confidence in themselves, and loves to spread genuine joy. They ooze enthusiasm that bleeds into everyone around them. Positive energy is contagious, so if you bring out the best in yourself, you will also bring out the best in others.

With all of the challenges college students face, finishing college may not be on the top of the priority list. GradGuard is here to help you find some positivity in what may be some unfortunate circumstances. Insurance provides peace of mind before the unexpected happens, such as having to withdraw from school for a covered medical reason or discovering your laptop was stolen. Renters and tuition insurance plans allow students to get back up when life knocks them down.

Takeaways

You are your biggest champion. At the end of a hard day, week or month, we hope that you are able to find the good. Positivity is infectious, and know you can do anything you set your mind to, even the really hard stuff.

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